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Helping Individual Investors Evaluate EIAs
Insurance Company
AIG
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Americo
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Forethought
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ING
Investors Insurance
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Lincoln Financial
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Reliance Standard
Standard Life
Stock/Fixed Indexes
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Global Bonus Index
Global Index 8
Horizon Index 12
Horizon Index 9
Vision Advantage 5yr
Vision Advantage 7yr
Vision Advantage 9yr
Vision Maximizer
Annuity Name
EIA Credit Method Profile Data
EIA Credit Method Profile Financial Statistics
Hypothetical Growth of $100,000
Hypothetical Annual Returns
Historical Time Period
Bear Market 1970-1980
Bull Market 1990-2000
Last 10 Years
Starting Month
January
February
March
April
May
June
July
August
September
October
November
December
MCP Symbol
Index Name
Credit Method
Asset Fee
Participation Rate
Cap
Annual Reset
Bonus Amount
EE100
S&P 500
Point-to-Point
0
1
8.9999999999999997E-2
1
0
EE80
S&P 500
Point-to-Point
0
0.80000000000000004
9.5000000000000001E-2
1
0
EEfl
S&P 500
Point-to-Point
0
0.45000000000000001
0
1
0
MCP Symbol
Simple Average
Annualized Return
Volatility
Correlation
Beta
MCP Grade
EE100
4.62%
4.52%
4.63%
85.89%
36.7%
A-
EE80
4.76%
4.66%
4.83%
87.12%
38.82%
A
EEfl
4.08%
3.98%
4.88%
100%
45%
A
Click Here for Definitions of Financial Terms
Analysis is based on past history and is not intended to predict future results. Data has been gathered from sources we believe reliable, but no warranty to its accuracy is made. Indexes do not include dividends. Annuities are products of the insurance industry and are not insured by the FDIC. Contract guarantees are based on the claims-paying ability of the issuing insurance company. Early surrenders may involve a loss of a portion of premium. "DJIA" is a registered trademark of Dow Jones Company. "NASDAQ 100" is a registered trademark of the NASDAQ Stock Market, Inc. "Russell 2000" is a registered trademark of the Frank Russell Co. "S&P 500" is a registered trademark of The MCGraw-Hill Companies, Inc. © Copyright 2007 Premium Producers Group, LLC. All Rights Reserved.
Grading Methodology – Each EIA Crediting Method has been evaluated solely on its return performance attributes. The universe of EIA Crediting Methods is approximately 650. All are evaluated over 3 time periods: Jan. 1970 through 1979; Jan. 1990 through 1999; and Last 10 years. Each EIA’s Crediting Method was measured by 5 different statistics: Arithmetic Average of Annual Returns; Geometric Average of Annual Returns; Standard Deviation of Annual Returns; Correlation Coefficient of Annual Performance (regressed against the Annual Performance of the S&P 500 Index point changes); and Beta of Annual Performance (regressed against the Annual Performance of the S&P 500 Index point changes). Each EIA Crediting Method was scored in each of the 5 statistics by its position within the entire universe. The sum of the 5 scores resulted in the overall ranking for each EIA Crediting Method; the lowest score being the best. The grading system is broken down into 5 sectors: A (Highest) , B, C, D, and F (Lowest). Each sector represents 20% of the aggregate. Within each sector, the highest 25% receives a '+' and the lowest 25% receives a '-'.
Below are the major "Crediting Methods" - some of the ways you can choose to have this annuity credit interest to your contract.
Data as of 11/30/08
Data as of 11/30/08